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Best Credit Repair Companies in Allen

2024

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Website
Allen, TX
  • Credit building
  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
  • Credit Repair

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
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Lexington Law

Allen, TX
  • Consumer Credit Services
  • Credit Repair

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (2911)

Price: Free Credit Report Consultation

Website
​2150 S Central Expy Suite 200, McKinney, TX 75070
  • Credit Audit

Why choose this provider?

DTB Credit Solutions handles the needs of individuals in Allen and its surrounding communities. The company offers clients various credit repair solutions, including consultations, in-depth analysis, and credit recommendations. Its services include working alongside credit bureaus and creditors to challenge negative report items, providing assistance to maximize scores, educating clients on how to maintain credit, and giving them 24/7 access to their accounts. DTB Credit Solutions also offers email notifications, bank-level security, and marketing tools for its professional partners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1509 Mercury Circle, Mckinney, TX 75071
  • Credit Monitoring

Why choose this provider?

Sperity is a full-service credit repair company that serves clients in Allen and the surrounding localities. The firm provides individuals with professional guidance in rebuilding their credit scores and reclaiming financial freedom. Its credit repair specialists remove unwarranted mistakes and inaccurate information from their client's credit reports. These include late payments, tax liens, foreclosures, repossessions, and bankruptcies. The team also advises clients on long-term smart buying decisions. Angela Reston, the firm's current CEO, has over 15 years of credit and finance experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (39)
Facebook
5.0 / 5 (5)
Yelp
2.1 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
825 Watter's Creek Blvd, Suite 250, Allen, TX 75013
  • Debt Consolidation

Why choose this provider?

RDT Credit Solution LLC provides solutions for individuals in Allen to repair and improve credit scores. It offers personal credit restoration packages that include credit audit and analysis and financial management consultation. The company assists in removing negative items from reports, including bankruptcy, evictions, late payments, repossessions, and public records. It also handles business credit and funding with coaching, entity setup, and credit building. RDT Credit Solution is a member of the Credit Consultants Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (19)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
550 North Central Expressway #2332, McKinney, TX 75070
  • Credit Dispute

Why choose this provider?

P&P Credit Services caters to clients in Allen. The company provides a wide range of credit repair solutions that can help clients rebuild their credit scores and settle debts. Its credit repair experts conduct a thorough analysis of a credit report and remove inaccurate or unverified information such as charge-offs, repossession, collections, late payments, and student loans. The team also prepares dispute letters for major credit bureaus and creditors. The company has been serving clients for over 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (35)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2626 Cole Ave. Suite 300, Dallas, TX 75204
  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

AMB Credit Consultants is a company that serves Allen. It aims to help individuals whose financial lives have been impacted by having poor credit and resolves to improve their situation. It provides line-by-line review of credit reports to check for any errors and discrepancies and challenges their validity with collection agencies, credit bureaus, and creditors on their behalf. Its “Empowerment Program” equips clients with the tools to obtain and maintain their credit. AMB Credit Consultants was founded in 2007.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.6 / 5 (439)
Google
4.8 / 5 (416)
Yelp
1.9 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1400 Preston Rd. Ste 400, Plano, TX 75093
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

C&S Credit Repair and Consultants, LLC caters to the needs of individuals and businesses in Allen and neighboring areas. The company, which is composed of credit strategists with 10 years of combined experience, focuses on various credit repair services, including offering personalized consultations, identifying and executing tailored plans, and providing custom dispute letters on their clients' behalf. It also offers clients 24/7 access to their case status and updated information and provides financial coaching and counseling, credit training, and workshops.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3131 Mckinney Ave., Suite 600, Dallas, TX 75204
  • Credit Audit

Why choose this provider?

Rosewood Credit caters to customers in the Allen metro and the surrounding communities. It offers credit repair services, which help individuals minimize their debts and improve their credit scores. Its process involves investigating inaccurate and unverifiable reporting information, creating and sending personalized dispute letters to the credit bureaus and creditors, and escalating the disputes. It also corrects wrong personal information, such as names, addresses, and Social Security numbers. Rosewood Credit provides consultations and assists with budgeting, debt management, and financial goal setting.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (13)
Google
5.0 / 5 (10)

Website
1024 S. Greenville Ave., Suite 130, Allen, TX 75002
  • Debt Consolidation

Why choose this provider?

US Best Credit Solutions caters to individuals in Allen and its surrounding communities. The company has been in the industry for over 25 years, providing credit restoration and education services. Its team members consist of credit specialists, processors, researchers, and attorneys. They aim to remove unwanted items on the client's reports and utilize federal laws in place to protect their consumer rights. The company serves as a member of the National Association of Credit Services Organizations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3930 Glade Rd. Suite 108-224, Colleyville, TX 76034
  • Debt Consolidation
  • Credit Audit

Why choose this provider?

KCMS Financial Group, LLC is a credit repair company that serves individuals in Allen and nearby areas. It conducts personalized credit evaluation and a full audit to help restore credit scores based on the financial goal of each client. The company provides credit education to aid clients in maintaining credit health. KCMS Financial Group was founded in 2012 by Maria Smith after falling victim to a credit repair scam and built the company on a foundation of trust.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Forney, TX
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Rapid Credit Repair Services assists individuals throughout Allen. The firm provides clients with credit consulting and counseling solutions, helping them obtain better purchasing power, improve job opportunities, and lower finance charges on credit card balances and loans by raising their credit scores. It contacts creditors on clients' behalf and sends legal documentation to credit bureaus and collection companies to remove unverifiable negative accounts from customers' credit profiles. CEO Christi Rose is a board-certified credit consultant who has been in the industry for half a decade.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (7)

Website
375 Adriatic Parkway, #2205, McKinney, TX 75072
  • Credit Audit

Why choose this provider?

Repair My Credit Now assists clients in Allen and the surrounding communities restore their financial lives. It cleans out credit history by removing bad records such as slow payments, charge-offs, bankruptcies, and foreclosures. Its team also gets rid of discrepancies present in its clients' credit reports. It delivers its services by auditing three credit bureaus, running audits and raising creditor disputes, making necessary adjustments, and deploying installments and revolving credit options. The company has been in service since 1997.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0

Frequently Asked Questions

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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